[jashayes50]

I have a 75 dollar collection on my report that really is not mine. Also, I have a few over 30 days late payments and a recent over 60 days payment. The over 60 days payment was on a card with a zero balance and the annual fee charged and I did not know if had a 49.00 balance because I had paid it off 6 months ago. Anyways, my score has dropped from like 695 to around 600. Any idea on which agencies I should try. I do not have the time to do it by myself so I do not mind paying for help.
Thanks!